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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,893 | $65,566-14.8% | $86,235-35.2% | $75,177-25.7% |
| Participation rate | 45.7% | 60.5%-14.8pp | 69.0%-23.3pp | 67.2%-21.5pp |
| Annual return | 15.85% | 46.07%-30.2pp | 1170.03%-1154.2pp | 160.75%-144.9pp |
| Employer contribution / active EE | $130 | $1,553-91.6% | $2,381-94.6% | $2,671-95.1% |
| Participant deferral / active EE | $2,892 | $3,023-4.3% | $3,987-27.5% | $4,126-29.9% |
| Admin fee / account holder | $6,444 | $5,470+17.8% | $6,856-6.0% | $5,651+14.0% |